<PAGE>
                                                                          Page 1

                          GENERAL TERMS AND CONDITIONS

Exhibit 10.48.1

                              Amended and Restated
                          AT&T Master Carrier Agreement

<TABLE>
<CAPTION>

 ------------------------------------------------------------------------------------------------------------------
<S>                                      <C>                                  <C>
 CUSTOMER Name (Full Legal Name):        AT&T Corp.,                          AT&T Sales Representative:
 Easylink Services                       a New York corporation ("AT&T")      Larry Bagley
 Corporation
 ("CUSTOMER")
 ------------------------------------------------------------------------------------------------------------------
 CUSTOMER Name (and Title) for Notice    AT&T Name (and Title) for Notice     AT&T Contact Telephone Number
 George Frylinck,                        Maryann Allen,                       732-805-5759
 Vice President                          General Manager
  --------------------------------------------------------------------------- -------------------------------------
 CUSTOMER Address                        AT&T Address                         Initial Deposit Amount Required:
 33 Knightsbridge Road                   300 Atrium Drive                     No additional deposit
                                                                              required.
 ------------------------------------------------------------------------------------------------------------------
 City     State                          City State Zip Code
                     Zip Code            Bridgewater NJ 08807
 Piscataway NJ       08854
 ------------------------------------------------------------------------------------------------------------------
 CUSTOMER Fax number for Notice          AT&T Fax number for Notice
 917-464-8317                            908-658-2222
 ------------------------------------------------------------------------------------------------------------------
</TABLE>

This Amended and Restated AT&T Master Carrier Agreement (the "Agreement")
replaces the Master Carrier Agreement (as it may have been previously amended
and restated) originally executed on the following dates:

Date of execution by CUSTOMER: Jan. 31, 2001 Date of execution by AT&T: Feb. 8,
2001

This Agreement consists of this Cover Sheet and the documents listed in the
Table of Documents below (each, an "Attachment"). In the event of any
inconsistency, precedence will be given to the documents in the following order:
(1) this Cover Sheet, (2) the documents listed in the Table of Documents
(excluding the General Terms and Conditions), (3) the General Terms and
Conditions. In the event of any inconsistency between this Agreement and an
applicable AT&T Service Guide, the terms of this Agreement shall prevail.

This Agreement shall be legally binding when signed by both parties and shall
continue in effect until the end of the longest term specified in an Attachment,
or until otherwise terminated pursuant to this Agreement. The rates and
commitments shall be effective as provided in each Attachment.


                               Table of Documents
                               ------------------

<TABLE>
<CAPTION>

------------------------------------------------------------------------------------------------------------------------------------
   Title                                                                Doc. ID                     Date/time stamp
   -----                                                                -------                     ---------------
<S>                                                             <C>                                <C>
   General Terms and Conditions                                     MCA 030614.doc                 06/14/03 8:15 am

   MCA Supplemental Terms and Conditions                           SWFT 0011100.doc                11/20/00 10:06 am

   AT&T Network Connection Service Terms and                      SWFT ANCSTP 001101               11/01/00 3:06 pm
   Pricing Attachments

   AT&T MEGACOM Service & AT&T MEGACOM 800                      Easylink megacom 10010b            10/08/01 12:25 pm
   Service Terms and Pricing Attachment

   AT&T Managed Internet Service Terms and                          MIS STP 010403                 08/13/01 1:27 pm
   Pricing Attachment
------------------------------------------------------------------------------------------------------------------------------------
</TABLE>

                           AT&T/CUSTOMER CONFIDENTIAL
                      Subject to Nondisclosure Obligations

<PAGE>

                                                                         Page 2

                          GENERAL TERMS AND CONDITIONS

<TABLE>
<CAPTION>

------------------------------------------------------------------------------------------------------------------------------------
                               Table of Documents
                               ------------------
  Title                                                                Doc. ID                    Date/time stamp
  -----                                                                -------                    ---------------
<S>                                                           <C>                                 <C>
  AT&T Private Line and Satellite Service Terms               EasyLink DSTP021120                 11/20/02 8:29 pm
  and Pricing Attachment
  AT&T Uniplan Service Terms and Pricing                      EasyLink USTP030929                 09/29/2003 5:44 PM
  Attachment
------------------------------------------------------------------------------------------------------------------------------------
</TABLE>


AGREED:
 Easylink Services Corporation


 By:  s/ G. R. Frylinck
      -----------------
      (Authorized CUSTOMER Signature)



       George R. Frylinck, Vice President
      (Typed or Printed Name and Title)

 Date:   September 30, 2003




 AGREED:
    AT&T Corp.


    By:  s/ Thomas Umholtz for Maryann Allen
         -----------------------------------
         (Authorized AT&T Signature)


          Maryann Allen, General Manger
          (Typed or Printed Name and Title


      Date:   September 30, 2003


                           AT&T/CUSTOMER CONFIDENTIAL
                      Subject to Nondisclosure Obligations

<PAGE>

                                                                          Page 3

                          GENERAL TERMS AND CONDITIONS

1. Provision of Services. AT&T agrees to provide to CUSTOMER the AT&T services
described in the Attachment(s) to this Agreement (the "Services"). AT&T is not
responsible for the quality of transmission or signaling on CUSTOMER's side of
the network interface between AT&T and CUSTOMER. Service is furnished subject to
the availability of the service components required and subject to operational
and systems constraints.

2. Billing and Payment for the Services. Except as may be provided in an
Attachment, AT&T will send a single monthly bill for each of the Services to one
location designated by CUSTOMER. CUSTOMER is liable for all amounts due to AT&T
under this Agreement. Payment in U.S. currency is due within thirty days after
the bill date, except as otherwise provided below with respect to Billing
Disputes. Charges set forth in the Attachments are exclusive of any applicable
taxes or surcharges.

3. Non-Payment. AT&T may add interest charges to any past due amounts at the
lower of 1.5% per month or the maximum rate allowed by law. CUSTOMER shall
reimburse AT&T for reasonable attorney's fees and any other costs associated
with collecting delinquent or dishonored payments. Restrictive endorsements or
other statements on checks accepted by AT&T will not apply.

4. Billing Dispute . To dispute a charge on a bill, CUSTOMER must identify the
specific charge in dispute and provide a full written explanation of the basis
for the dispute using a standard AT&T billing dispute form within 90 days after
the bill date. CUSTOMER may withhold payment of a charge subject to a good faith
dispute provided: (a) CUSTOMER submits the billing dispute, using a standard
AT&T billing dispute form, within thirty days after the bill date; (b) CUSTOMER
pays the undisputed portion of all charges and (c) CUSTOMER cooperates
reasonably with AT&T's efforts to investigate and resolve the dispute. If AT&T
determines a disputed charge was billed in error, AT&T shall issue a credit to
reverse the amount incorrectly billed. If AT&T determines a disputed charge was
billed correctly, payment shall be due from CUSTOMER within five days after AT&T
advises CUSTOMER in writing that the dispute is denied.

5. Deposit . Using its Deposit standards, AT&T has assessed and CUSTOMER shall
pay the Initial Deposit amount specified on the Cover Sheet before Services are
provided. AT&T may require CUSTOMER, during the term of this Agreement, to
tender a deposit in an amount to be determined by AT&T in its reasonable
discretion. AT&T will rely upon commercially reasonable factors to determine the
need for and amount of any deposit. These factors may include, but are not
limited to, payment history, number of years in business, history of service
with AT&T, bankruptcy history, current account treatment status, financial
statement analysis, and commercial credit bureau rating, as well as commitment
levels and anticipated monthly charges. Any deposit will be held by AT&T as a
guarantee for the payment of charges. A deposit does not relieve CUSTOMER of the
responsibility for the prompt payment of bills. Interest (at the rate of 6% per
year or such other rate as is applicable by law) will be paid to CUSTOMER for
any period that a cash deposit is held by AT&T. AT&T may apply a deposit against
past due charges at any time.

6. Obligations Regarding Taxes . CUSTOMER shall pay any applicable taxes
(excluding those on AT&T's net income), fees, duties, levies and other similar
charges (and any related interest and penalties) relating to the sale, transfer
of ownership, installation, license, use or provision of the Services, except to
the extent customer provides a valid exemption certificate to AT&T prior to the
delivery of Services.

7. CUSTOMER is a Carrier. CUSTOMER certifies it is a 11common carrier" as
defined in the Communications Act of 1934 (see 47 USC ss.ss.153(10) and 211),
with all required operating authority. CUSTOMER further certifies either (a) it
has filed an FCC Form 499-A with the Federal Communications Commission
(individually or on a consolidated basis) in accordance with the registration
requirement of 47 C.F.R. 64.1195, or (b) it will not resell interstate
telecommunications service(s) provided by AT&T under this Agreement, unless it
first registers with the Federal Communications Commission in accordance with
the registration requirement of 47 C.F.R. 64.1195.

8. Responsibilities of CUSTOMER. CUSTOMER is responsible for interfacing and
communicating with its End Users, for placing any orders, and for assuring that
it and any Intermediate Providers comply with the provisions of this Agreement
and with all applicable laws and regulatory requirements with respect to the
Services. CUSTOMER is responsible for arranging premises access at any
reasonable time so that AT&T personnel may install, repair, maintain, inspect or
remove service components.

9. Software. AT&T grants CUSTOMER a personal, nontransferable and non-exclusive
license (without the right to sublicense) to use, in object code form, all
software and associated written and electronic documentation and data furnished
pursuant to this Agreement (collectively, "Software"), solely in connection with
the Services and solely in accordance with applicable written and electronic
documentation. CUSTOMER will refrain from taking any steps to reverse assemble,
reverse compile or otherwise derive a source code version of the Software. The
Software shall at all times remain the sole and exclusive property of AT&T or
its suppliers. "Third-Party Software" means Software that bears a copyright
notice of a third party. "AT&T Software" means all Software other than
Third-Party Software. CUSTOMER shall not copy or download the Software, except
that CUSTOMER may make two copies of the Software, one for archive and the other
for disaster recovery purposes. Any copy must contain the same copyright notices
and proprietary markings as the original Software. CUSTOMER agrees to comply
with any additional restrictions that are provided with any Third-Party
Software. The term of the license granted with respect to any Software shall be
coterminous with the Attachment which covers the Software and/or related
Services. CUSTOMER shall assure that its Users comply with the terms and
conditions of this Section.

                           AT&T/CUSTOMER CONFIDENTIAL
                      Subject to Nondisclosure Obligations


<PAGE>

                                                                         Page 4

                          GENERAL TERMS AND CONDITIONS

10. Warranty with Respect to Software. AT&T warrants that all AT&T Software will
perform substantially in accordance with its applicable published specifications
for the term of the Attachment that covers the AT&T Software. If CUSTOMER
returns to AT&T, within such period any AT&T Software that does not comply with
this warranty then AT&T, at its option, will either repair or replace the
portion of the AT&T Software that does not comply or refund the amount paid by
CUSTOMER for such failed or defective AT&T Software. This warranty will apply
only if the AT&T Software is used in accordance with the terms of this Agreement
and is not altered, modified or tampered with by CUSTOMER or Users.

11. Abuse of Service. The abuse of Service is prohibited. Using Service or
permitting Service to be used in the following ways constitutes abuse:(a)
interfering unreasonably with the use of AT&T service by others or the operation
of the AT&T network (b) with respect to Services that include the provision of
terminating switched access over local exchange company facilities, carrying
calls that originate on the network of a facilities-based interexchange carrier
other than AT&T and terminate disproportionately to domestic locations for which
AT&T's cost of terminating switched access (based on the published access rates
of the incumbent local exchange companies) is above AT&T's price for the call
under this Agreement (after application of discounts) ; (c) subjecting AT&T
personnel or non-AT&T personnel to hazardous conditions ; (d) attempting to
avoid the payment, in whole or in part, of any charges by any means or device
(non-payment of billed charges will not be considered abuse of service for
purposes of this Section) or (e) using the Services or displaying or
transmitting Content in a manner that violates any applicable law or regulation.
In any instance in which AT&T believes in good faith that there is abuse of
Service as set forth above, AT&T may immediately restrict, suspend or
discontinue providing Service or prevent the display or transmission of Content,
without liability on the part of AT&T, and then notify CUSTOMER of the action
that AT&T has taken and the reason for such action. To the extent doing so does
not interfere with its ability to prevent abuse of Service (to be determined in
AT&T's reasonable judgment), AT&T will attempt to notify CUSTOMER before taking
such action, and will attempt to limit any restriction, suspension or
discontinuance under this Section to the locations, Content, or Services with
respect to which the abuse is taking place.

12. Default. If a party breaches any material term of this Agreement and the
breach continues unremedied for 60 days after written notice of default, the
other party may terminate for cause any Attachment materially affected by the
breach. If CUSTOMER is in breach of its payment obligations (including failure
to pay a required deposit), and fails to make payment in full within 5 days
after receipt of written notice of default, AT&T may, at its option, terminate
the Agreement, terminate affected Attachments, suspend Service under the
affected Attachments, and/or require a deposit, advanced payment, or other
satisfactory assurances in connection with any or all Attachments as a condition
of continuing to provide Services, except that AT&T will not take any such
action as a result of CUSTOMER's non-payment of a charge subject to a timely
billing dispute, unless AT&T has reviewed the dispute and determined that the
charge is correct. An Attachment may be terminated by either party immediately
upon written notice if the other party has become insolvent or involved in a
liquidation or termination of its business, or adjudicated bankrupt, or been
involved in an assignment for the benefit of its creditors. CUSTOMER shall be
liable to AT&T for Termination Charges, as specified in a terminated Attachment,
in the event that AT&T terminates an Attachment as a result of a breach by
CUSTOMER. Termination by either party of an Attachment does not waive any other
rights or remedies it may have under this Agreement.

13. No Other Representations or Warranties. EXCEPT AS EXPRESSLY PROVIDED IN THIS
AGREEMENT, AT&T MAKES NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED,
UNDER THIS AGREEMENT AND SPECIFICALLY DISCLAIMS ANY WARRANTY OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NONINFRINGEMENT OR ANY WARRANTY
ARISING BY USAGE OF TRADE, COURSE OF DEALING OR COURSE OF PERFORMANCE. AT&T DOES
NOT REPRESENT OR WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE,
OR THAT THE SERVICES WILL MEET CUSTOMER'S REQUIREMENTS OR THAT THE SERVICES WILL
PREVENT UNAUTHORIZED ACCESS BY THIRD PARTIES. AT&T DOES NOT AUTHORIZE ANYONE TO
MAKE A REPRESENTATION OR WARRANTY OF ANY KIND ON ITS BEHALF AND CUSTOMER SHOULD
NOT RELY ON ANYONE MAKING SUCH STATEMENTS.

14. Limitation of Liability . EITHER PARTY'S ENTIRE LIABILITY, AND THE OTHER
PARTY'S EXCLUSIVE REMEDIES, FOR ANY DAMAGES CAUSED BY ANY SERVICE DEFECT OR
FAILURE, OR FOR OTHER CLAIMS ARISING IN CONNECTION WITH ANY SERVICE OR
OBLIGATIONS UNDER THIS AGREEMENT SHALL BE

(a) FOR BODILY INJURY OR DEATH TO ANY PERSON, OR REAL OR TANGIBLE PROPERTY
DAMAGE, NEGLIGENTLY CAUSED BY A PARTY, OR DAMAGES ARISING FROM THE WILLFUL
MISCONDUCT OF A PARTY OR A BREACH OF THE PROVISIONS OF SECTION 17 (USE OF
MARKS), THE OTHER PARTY'S RIGHT TO PROVEN DIRECT DAMAGES,

(b) FOR DEFECTS OR FAILURES OF SOFTWARE, THE REMEDIES SET FORTH ABOVE UNDER THE
HEADING WARRANTY WITH RESPECT TO SOFTWARE;

                           AT&T/CUSTOMER CONFIDENTIAL
                      Subject to Nondisclosure Obligations

<PAGE>

                                                                         Page 5

                          GENERAL TERMS AND CONDITIONS


(c) FOR INDEMNITY, THE REMEDIES SET FORTH BELOW UNDER THE HEADING
INDEMNIFICATION;

(d) FOR DAMAGES OTHER THAN THOSE SET FORTH ABOVE AND NOT EXCLUDED UNDER THIS
AGREEMENT, EACH PARTY'S LIABILITY SHALL BE LIMITED TO PROVEN DIRECT DAMAGES NOT
TO EXCEED PER CLAIM (OR IN THE AGGREGATE DURING ANY 12-MONTH PERIOD) AN AMOUNT
EQUAL TO THE TOTAL NET PAYMENTS PAYABLE BY CUSTOMER FOR THE APPLICABLE SERVICE
UNDER THE APPLICABLE ATTACHMENT DURING THE 3 MONTHS PRECEDING THE MONTH IN WHICH
THE DAMAGE OCCURRED.

THE LIMITATIONS IN THIS SECTION 14 SHALL NOT PRECLUDE A PARTY FROM OBTAINING
INJUNCTIVE RELIEF FROM A COURT OF COMPETENT JURISDICTION IN THE EVENT OF A
VIOLATION OF SECTION 9 (SOFTWARE), SECTION 11 (ABUSE OF SERVICE), ARTICLE 17
(USE OF MARKS), OR ARTICLE 20 (CONFIDENTIALITY OBLIGATIONS).

EXCEPT TO THE EXTENT PROVIDED UNDER THIS AGREEMENT WITH RESPECT TO
INDEMNIFICATION, NEITHER PARTY SHALL BE LIABLE TO THE OTHER PARTY FOR ANY
INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, RELIANCE OR SPECIAL DAMAGES,
INCLUDING WITHOUT LIMITATION DAMAGES FOR LOST PROFITS, ADVANTAGE, SAVINGS OR
REVENUES OF ANY KIND, OR INCREASED COST OF OPERATIONS, WHETHER OR NOT SUCH PARTY
HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL AT&T BE
LIABLE FOR ANY CLAIM OR DAMAGES CAUSED BY OR ARISING OUT OF:

      (i) ANY ACT OR OMISSION (INCLUDING WITHOUT LIMITATION UNAUTHORIZED USE,
      THEFT, ALTERATION, LOSS OR DESTRUCTION OF SERVICE OR THE APPLICATIONS,
      CONTENT, DATA, PROGRAMS, INFORMATION, NETWORK OR SYSTEMS OF CUSTOMER, AN
      END USER OR ANY THIRD PARTY) OF CUSTOMER, AN INTERMEDIATE PROVIDER, OR AN
      END USER,

      (ii) EXCEPT AS OTHERWISE PROVIDED IN AN ATTACHMENT, SERVICE LEVELS, DELAYS
      OR INTERRUPTIONS OR LOST OR ALTERED MESSAGES OR TRANSMISSIONS, OR

      (iii) INTEROPERABILITY, INTERACTION OR INTERCONNECTION OF THE SERVICES
      WITH APPLICATIONS, EQUIPMENT, SERVICES, CONTENT OR NETWORKS PROVIDED BY
      CUSTOMER OR THIRD PARTIES.

THE LIMITATIONS OF LIABILITY SET FORTH IN THIS AGREEMENT SHALL SURVIVE FAILURE
OF AN EXCLUSIVE REMEDY, AND SHALL APPLY REGARDLESS OF THE FORM OF ACTION,
WHETHER IN CONTRACT, TORT, WARRANTY, STRICT LIABILITY, OR NEGLIGENCE (INCLUDING
WITHOUT LIMITATION ACTIVE AND PASSIVE NEGLIGENCE). NOTHING IN THIS SECTION
LIMITS CUSTOMER'S RESPONSIBILITY FOR THE PAYMENT OF CHARGES DUE AS PROVIDED IN
THIS AGREEMENT, OR AT&T's OBLIGATION TO PROVIDE CREDITS DUE AS PROVIDED IN THIS
AGREEMENT.
For purposes of all remedies and limitations of liability set forth in this
Agreement or any Attachment, (i) "AT&T" shall mean AT&T Corp., its Affiliates,
and its and their employees, directors, officers, agents, representatives,
subcontractors, interconnection service providers and suppliers and (ii)
"CUSTOMER" shall mean Customer, its Affiliates and its and their employees,
directors, officers, agents, and representatives.
15. Force Majeure. Neither party nor its Affiliates or subcontractors shall be
liable to the other party for any delay, failure in performance, loss or damage
due to force majeure conditions such as fire, explosion, power blackout,
earthquake, volcanic action, flood, hurricane, the elements, strike embargo,
labor disputes, civil or military authority, war, acts of God, acts or omissions
of other carriers (except, for CUSTOMER, the acts or omissions of its
Intermediate Providers), acts of regulatory or governmental agencies, or other
causes beyond their reasonable control, except that CUSTOMER's obligation to pay
for services provided shall not be excused. Changes in economic, business or
competitive conditions are not force majeure conditions. If CUSTOMER is unable
to meet its commitments as a direct result of a force majeure condition,
CUSTOMER may suspend its commitments for one full billing month (or longer with
AT&T's written consent, which shall not be unreasonably withheld). The effect of
such a suspension of commitment will be to exclude the affected month(s) from
all calculations affecting the CUSTOMER's commitments and to extend the term of
this Agreement by the same number of months. CUSTOMER must provide notice to
AT&T of the force majeure condition giving rise to the right to suspend
commitments within 30 days after its occurrence.

16. Indemnification. CUSTOMER shall indemnify, defend, and hold harmless AT&T
and its Affiliates, directors, officers, employees, agents, successors and
assigns from any and all claims, damages and expenses whatsoever (including
reasonable attorneys' fees) arising on account of or in connection with
CUSTOMER's use, resale or sharing of the Services, including but not limited to
(a) claims for libel, slander, invasion of privacy, (b) claims for infringement
of copyright arising from any communication using the Services ; (c) claims
arising from any failure, breakdown, interruption or deterioration of service
provided by AT&T to CUSTOMER or by CUSTOMER to End Users or Intermediate
Providers (d) claims arising from CUSTOMER's marketing efforts and (e) claims of
patent infringement arising from combining or using services or equipment
furnished by AT&T in connection with services or equipment furnished by others.
CUSTOMER's indemnification obligations do not apply to claims for damages to
real or tangible personal property or for bodily injury or death negligently
caused by AT&T.

                           AT&T/CUSTOMER CONFIDENTIAL
                      Subject to Nondisclosure Obligations


<PAGE>

                                                                          Page 6
                          GENERAL TERMS AND CONDITIONS

AT&T shall indemnify, defend, and hold harmless CUSTOMER and its Affiliates,
directors, officers, employees, agents, successors and assigns from all claims
of patent infringement arising solely from the use of the Services. (Whenever
AT&T is responsible under the preceding sentence, AT&T may at its option either
procure the right for CUSTOMER to continue using, or may replace or modify the
alleged infringing Service so that the Service becomes noninfringing. If those
alternatives are not reasonably achievable, AT&T may terminate the affected
Attachment without termination liability to either party.)

The indemnified party under this Section 16: (i) must notify the other party in
writing promptly upon learning of any claim or suit for which indemnification
may be sought, provided that failure to do so shall have no effect except to the
extent the other party is prejudiced thereby; (ii) shall have the right to
participate in such defense or settlement with its own counsel and at its sole
expense, but the other party shall have control of the defense or settlement,
and (iii) shall reasonably cooperate with the defense.

17. Use of Marks. Nothing in this Agreement creates in a party any rights in the
other party's trade names, trademarks, service marks or any other intellectual
property. Either party may use the other party's trade names, trademarks, or
service marks only to the extent such use is not prohibited by this Agreement
and is otherwise permitted by law (including but not limited to the Lanham Act).
In no event shall either party use or display, in advertising or otherwise, any
of the other party's logos, trade dress trade devices or other indicia of
origin, or any confusingly similar logos, trade dress, trade devices or indicia
of origin. CUSTOMER will not conduct business under any AT&T corporate or trade
name, trademark, service mark, logo, trade dress, trade device, indicia of
origin or other symbol that serves to identify and distinguish AT&T from its
competitors, or under any confusingly similar corporate or trade name,
trademark, service mark, logo, trade dress trade device, indicia of origin or
other symbol. CUSTOMER will not indicate or imply to any other party that
CUSTOMER is affiliated with AT&T, that CUSTOMER is authorized by AT&T to sell or
provide service to them, that CUSTOMER is providing (or will provide) service to
such party jointly or in collaboration or partnership with AT&T, or as the agent
of AT&T, or that service provided by CUSTOMER or another carrier is provided by
AT&T. Except to the limited extent (if any) as may be required under law,
neither CUSTOMER nor an Intermediate Provider shall indicate or imply to any
existing or potential End User (or Intermediate Provider) that any portion of
the service provided to the End User (or Intermediate Provider) by CUSTOMER or
the Intermediate Provider is provided by AT&T or is carried over the AT&T
network or AT&T facilities.

18. Relationship of the Parties. The relationship between the parties shall be
that of independent contractors and not of principal and agent, employer and
employee, franchiser and franchisee, partners or joint venturers. This Agreement
does not establish CUSTOMER as a dealer, distributor or franchisee of AT&T, and
no fee is being paid to AT&T to enter into this Agreement.

19. Confidential Information Defined. "Confidential Information" consists of the
following: all information disclosed by one party or its agent or representative
(the "Disclosing Party") to the other party or its agent or representative (the
"Receiving Party") in connection with this Agreement regarding the
telecommunications needs of CUSTOMER and/or the telecommunications offerings of
AT&T, to the extent that (a) for information disclosed in written, graphic or
other tangible form, it is designated by appropriate markings to be confidential
or proprietary or (b) for information disclosed orally, it is both identified as
proprietary or confidential at the time of disclosure and summarized in a
writing so marked within 15 business days following the oral disclosure.
Notwithstanding the foregoing, all written or oral pricing and contract
proposals exchanged between the parties shall be Confidential Information,
whether or not so designated. Confidential Information is the property of the
Disclosing Party and shall be returned to the Disclosing Party upon request.
This Agreement is Confidential Information as to which each party is both a
Disclosing Party and a Receiving Party. Information that (i) is independently
developed by the Receiving Party, (ii) is lawfully received by the Receiving
Party free of any obligation to keep it confidential, or (iii) becomes generally
available to the public other than by breach of this Agreement, shall not be
Confidential Information.

20. Confidentiality Obligations. A Receiving Party shall hold all Confidential
Information in confidence from the time of disclosure until at least 3 years
following its disclosure (except with respect to Software, which shall be held
in confidence indefinitely). During that period, the Receiving Party (a) shall
use such Confidential Information only for the purposes of performing this
Agreement and using the Services, (b) shall reproduce such Confidential
Information only to the extent necessary for such purposes (c) shall restrict
disclosure of such Confidential Information to employees that have a need to
know for such purposes, (d) shall advise those employees of the obligations of
this Agreement, (e) shall not disclose Confidential Information to any third
party without prior written approval of the Disclosing Party except as expressly
provided in this Agreement, and (f) shall use at least the same degree of care
(in no event less than reasonable care) as it uses with regard to its own
proprietary or confidential information to prevent the disclosure, unauthorized
use or publication of Confidential Information.

21. Publicity . No public statements or announcements relating to this Agreement
shall be issued by either party without the prior written consent of the other
party.

22. Alternative Dispute Resolution. The parties will attempt to settle any claim
for non-payment of charges or recovery of overpayment of charges for the
Services (hereinafter a "Billing Dispute"), through good faith negotiations. The
parties may agree to submit a Billing Dispute to non-binding mediation. At any
time, the party seeking payment may submit a notice of arbitration of a Billing
Dispute for arbitration under the United States Arbitration Act pursuant to the
terms of this Section and the Non-Administered Arbitration Rules of the CPR
Institute for Dispute Resolution ("CPR"), to the extent such rules do not
conflict. The Arbitration will be held in New York, New York, or any other
location selected by mutual agreement of the parties. The arbitrator shall not
have the power to award any damages in excess of the limits set forth in or
excluded under the limitations of liability provided in this Agreement. The
arbitrator may not limit, expand or otherwise modify the terms of this
Agreement. The arbitrator shall strictly limit discovery to the production of
documents directly relevant to the facts alleged in the notices of arbitration
and defense. If depositions are required, the arbitrator shall permit each Party
to conduct an equal number of depositions (not to exceed five per side), with
equal limits on the number of deposition hours for each Party (not to exceed 7
per deposition). If an evidentiary hearing is held, each Party's presentation of
its case shall be limited to three (3) days. Requests for temporary injunctive
relief may be submitted to a court of competent jurisdiction if the arbitrator
has not yet been appointed, but the arbitrator shall have the authority to
modify any injunctive relief granted by such a court. The arbitration award
shall be made final within eight months of filing of the notice of arbitration
and judgment upon the award may be entered in any court having competent
jurisdiction. All participants and the arbitrator shall hold the existence,
content and results of mediation and arbitration in confidence, except as
necessary to enforce a final settlement agreement or to enforce an arbitration
award. Each party shall bear its own expenses and equally share expenses related
to the compensation of the arbitrator. The arbitrator's award shall be in
writing and shall state the reasons for the award.

                           AT&T/CUSTOMER CONFIDENTIAL
                      Subject to Nondisclosure Obligations

<PAGE>

                                                                         Page 7

                          GENERAL TERMS AND CONDITIONS

23. Time to Bring Claims. Any initial demand for arbitration pursuant to this
Agreement, and any legal action arising under this Agreement, must be initiated
within two years after the cause of action arises.

24. Notices. All notices under this Agreement shall be in writing and shall be
made: (a) by personal delivery, (b) by certified or registered mail, postage
prepaid return receipt requested, (c) by overnight delivery, or (d) by facsimile
transmission. Notice shall be sent to the individuals identified on the Cover
Sheet (at the address and/or fax number designated for notice), or to such other
individual, address or fax number as a party may designate by notice to the
other party.

25. Equipment . AT&T shall retain title to all of its equipment and facilities
used to provide service under this Agreement. CUSTOMER will pay reasonable
shipping charges for delivery to CUSTOMER's premises of AT&T equipment used to
provide Service under this Agreement. CUSTOMER is liable to AT&T for the
replacement cost of any AT&T-provided equipment installed at CUSTOMER's premises
in the event of loss of said equipment for any reason, including but not limited
to theft.

26. Export Regulations. The parties acknowledge that the Services and Software
may be subject to U.S. export laws and regulations. If requested, CUSTOMER will
sign assurances and other export-related documents required for AT&T to comply
with U.S. export regulations.

27. Quality Monitoring. CUSTOMER authorizes AT&T to monitor and record calls to
AT&T concerning the Services for training and quality control purposes.

28. Assignment . This Agreement may not be assigned by either party except that
either party may assign its rights or delegate its duties under this Agreement
to an Affiliate of that party, and either party may assign this Agreement to a
successor, provided that an assignee of CUSTOMER must satisfy the requirements
of Section 7 of these General Terms and Conditions.

29. No Third Party Beneficiaries. This Agreement does not expressly or
implicitly provide any third party (including but not limited to End Users and
Intermediate Providers) with any remedy, claim, liability, reimbursement, cause
of action or other right or privilege.

30. Non-Waiver. The failure of a party to enforce any right under this Agreement
at any particular point in time shall not constitute a continuing waiver of any
such right with respect to the remaining term of this Agreement, or the waiver
of any other right under this Agreement.

31. Severability. If any portion of this Agreement is found to valid or
unenforceable, the remaining provisions shall remain in effect and the parties
shall immediately begin negotiations to replace any invalid or unenforceable
portions that are essential parts of this Agreement.

32. Survival of Terms. The rights and obligations of either party that by their
nature would continue beyond the termination or expiration of this Agreement
shall survive termination or expiration of this Agreement. For example, the
provisions of this Agreement regarding Confidentiality shall remain in effect
following termination of this Agreement and the provisions of this Agreement
regarding arbitration, use of Marks, indemnification, and/or limitation of
liability shall survive termination of this Agreement as to any cause of action
arising under the Agreement.

33. Choice of Law. The domestic law of the State of New York, except its
conflict-of-laws rules, shall govern the construction, interpretation, and
performance of this Agreement, except to the extent superceded by federal law.
The United Nations Convention on Contracts for International Sale of Goods shall
not apply.

34. Amendment. No amendment, supplement, modification or waiver of any provision
of this Agreement shall be effective unless in writing and signed by authorized
representatives of both parties.

35. Entire Agreement. This Agreement constitutes the entire agreement between
the parties with respect to the Services. This Agreement supersedes all prior
agreements, proposals, representations, statements or understandings, whether
written or oral, concerning the Services or the parties' rights or obligations
relating to the Services. Any prior representations, promises, inducements or
statements of intent regarding the Services that are not embodied in this
Agreement are of no effect.

                           AT&T/CUSTOMER CONFIDENTIAL
                      Subject to Nondisclosure Obligations

<PAGE>

                                                                         Page 8

                          GENERAL TERMS AND CONDITIONS

36. Definitions. The following definitions apply in addition to the definitions
set forth elsewhere in this Agreement:

"Affiliate" means any entity that controls, is controlled by or is under common
control with a party.

"Content" means information made available, displayed or transmitted (including
information made available by means of an HTML "hot link", a third party posting
or similar means) in connection with a Service including all trademarks, service
marks and domain names contained therein, Customer and User data, and the
contents of any bulletin boards or chat forums, and, all updates, upgrades,
modifications and other versions of any of the foregoing.

"End User" or "User" means the entity that uses the service furnished under this
Agreement for its own use, and not for purposes of providing telecommunications
services to others.

"Intermediate Provider" means any provider or other intermediary (other than
CUSTOMER or its agents or employees) in the sales chain between CUSTOMER and an
End User.

"Master Agreement" means the Agreement.

"Service Guide" means the AT&T Business Service Guide, as amended from time to
time, accessible via the Internet at http://serviceguide.att.com, unless
otherwise defined in an Attachment. With respect to Service provided by AT&T
under tariff, "Service Guide" means the tariffs applicable to the provision of
such Service, as amended from time to time. Any references in the Attachments to
"Tariffs", with respect to services that are no longer provided under tariff,
will be deemed reference to the Service Guide, which is the successor document
to interexchange tariffs that have been withdrawn as a result of detariffing.

If not otherwise defined, capitalized terms shall be defined as provided in the
Service Guide.

------------------------- End of Terms and Conditions --------------------------

                           AT&T/CUSTOMER CONFIDENTIAL
                      Subject to Nondisclosure Obligations